Terms and risk

What this is

Earnfolio is software: a smart contract on Robinhood Chain and a website that reads it. It is not a bank, a broker, a fund or a savings product, and nobody at Earnfolio holds your money on your behalf. Depositing means calling a contract. Redeeming means calling it again.

Unaudited

The contract has not been audited. It passes a suite of tests that run against live mainnet state rather than against mocks, including the manipulation guard, the redemption path and the rule that restricts it to genuine tokenized stocks. That is not an audit and is not offered as a substitute for one. The source is there to read.

Every rate here is measured, not promised

The figures on this site come from a sweep of on-chain swap logs, and each one names the window it was measured over. They describe what those pools paid liquidity in the past. Nobody is promising they will do it again, and no rate on this site is a forecast.

A fee rate is also not a return. It is stated gross of stock price movement and gross of loss-versus-rebalancing, and it assumes liquidity as concentrated as what is already in those pools. The docs publish exactly how much of it a given range width actually captures.

Ways you can lose money

• The stock falls. Deposited USDG becomes part stock exposure by construction. If NVDA drops, your position drops, no matter how many fees it earned.
• Loss-versus-rebalancing. When a price moves, the pool sells the vault out of the appreciating side on the way through. The same flow that pays the fees causes this, and it can be larger than the fees.
• Unwinding costs. Redeeming burns concentrated liquidity and swaps the stock leg back through the same pool, which costs the pool fee and price impact. That cost is borne by whoever is leaving.
• Smart contract failure. The code is unaudited. A bug could lose everything in it.
• The tokens themselves. The stock tokens are issued by a third party and run a compliance blocklist on their own transfer path. A blocked address cannot move them.
• The operator. An operator key moves liquidity between registered pools. It cannot withdraw your funds, cannot add a pool that fails the genuine-stock check and cannot raise the performance fee above 20% — but it can rebalance badly.

Not advice

Nothing here is investment, legal or tax advice, and nothing here is a recommendation to buy or hold anything. Whether any of this is available or lawful where you live is your question to answer, not ours.

No warranty

The software is provided as-is, without warranty of any kind. You use it at your own risk. The contract is deployed and its address is in the footer.